BWFG
Bankwell Financial Group, Inc.
BWFG has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BWFG overall, supported by stronger valuation and stronger modeled upside.
BWFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BWFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BWFG.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
BWFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $35.20 | -51% |
| Fair | 11x | $62.72 | -12% |
| Forward | 11x | $71.51 | — |
| Current | 13x | $71.51 | — |
| Expensive | 17x | $96.68 | +35% |
Historical ranges are pointers, not guarantees.
BWFG's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over BWFG in the historical PE scenario, which offers more potential upside but is not a forecast.
BWFG Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for BWFG, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
BWFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.59 | +16% |
| Q3 2026 | $5.67 | +55% |
| Q2 2026 | $5.36 | +104% |
| Q1 2026 | $4.99 | +208% |
| Q4 2025 | $4.45 | +262% |
| Q3 2025 | $3.66 | +90% |
| Q2 2025 | $2.63 | -11% |
| Q1 2025 | $1.62 | -58% |
| Q4 2024 | $1.23 | -74% |
BWFG earned $5.67 per share over the past year, up 55% from the year before.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
BWFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $35.3M | +24% |
| Q2 2026 | $32.8M | +26% |
| Q1 2026 | $30.2M | +28% |
| Q4 2025 | $30.3M | +43% |
| Q3 2025 | $28.5M | +30% |
| Q2 2025 | $25.9M | +18% |
| Q1 2025 | $23.6M | +6.8% |
| Q4 2024 | $21.2M | -9.5% |
BWFG's revenue has grown year over year for seven quarters in a row: $35M last quarter, up 24% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +0.1 points |
| Q2 2026 | 50% | +4.2 points |
| Q1 2026 | 48% | +9.5 points |
| Q4 2025 | 47% | +28 points |
| Q3 2025 | 47% | +35 points |
| Q2 2025 | 46% | +39 points |
| Q1 2025 | 38% | +15 points |
| Q4 2024 | 19% | -30 points |
BWFG has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over BWFG on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
BWFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $12.2M | +23% |
| Q2 2026 | $10M | +65% |
| Q1 2026 | $7.3M | +89% |
| Q4 2025 | $7.3M | -49% |
| Q3 2025 | $9.9M | +$10.6M |
| Q2 2025 | $6.1M | -10% |
| Q1 2025 | $3.8M | -57% |
| Q4 2024 | $14.3M | +$15M |
BWFG has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
BWFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -32.8K shares |
| 1 year | +1.3% | +103K shares |
| 3 years | +4.1% | +314K shares |
| 5 years | +2.7% | +209K shares |
| Available history | +2.1% | +164K shares |
BWFG has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $150,000 |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $422,000 |
| Q1 2025 | $912,000 |
| Q4 2024 | — |
BWFG has spent almost nothing on buybacks in the past year.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
BWFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -2.6x | Net Cash |
| Q1 2026 | -2.6x | Net Cash |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | -5.1x | Net Cash |
| Q2 2025 | -7.6x | Net Cash |
| Q1 2025 | -12.0x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
BWFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BWFG.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over BWFG on leverage, with a lower net debt burden relative to earnings.
BWFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.6 | Overbought |
| Stochastic | 77.6 | Neutral |
BWFG's weekly RSI is 71 (overbought) and its Stochastic is 78 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
BWFG PE vs Financial Services Sector
| Metric | BWFG | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.1% below |
| PE % | 64 | 63 | 1 pt above |
BWFG has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
BWFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $67.9 | 5.3% above |
| 20 week MA | $66.1 | 8.3% above |
| 50 week MA | $56.4 | 27% above |
| 100 week MA | $46.4 | 54% above |
| 200 week MA | $36.6 | 96% above |
BWFG has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
BWFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $28.5 | $18.5 | -35% |
| 2021 | $18.5 | $32.0 | +73% |
| 2022 | $32.0 | $29.1 | -8.9% |
| 2023 | $29.1 | $30.2 | +3.6% |
| 2024 | $30.2 | $31.4 | +3.9% |
| 2025 | $31.4 | $47.0 | +50% |
| 2026 YTD | $47.0 | $71.5 | +52% |
BWFG has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.